China Construction Bank, Bank of Communications, Bank of China, China Everbright, Minsheng, Shanghai Pudong Development Bank and Huaxia Bank are all in the same city in China, and there is no handling fee for withdrawing credit card overpayments. Some cards of the Agricultural Bank of China, such as QQ co-branded cards and official cards, do not have to pay handling fees when withdrawing overpayments from the local bank.

The so-called overpayment refers to the overpayment made by the credit card customer or the funds deposited in the credit card account, and a certain amount of fees must be paid to take out the overpayment. This sum can increase the available credit card limit, or be directly used for consumer repayment. If there is overpayment in the credit card, the overpayment will be deducted first, and then the credit line will be deducted. If the overpayment is greater than the consumption amount, there will be no overdraft. For example, 9 yuan needs to be repaid in this period, and 1 yuan is actually repaid. The extra 1 yuan is the overpayment. Some cardholders will mistakenly deposit money into their credit cards (credit cards don't need to deposit money into them, just spend it first and then repay it). If you deposit money into your credit cards in advance without spending, you can't get this part of the money. If you want to withdraw it, you will charge a high handling fee, so you should try to avoid it. Overpayment is interest-free.